Health is considered as the greatest blessing. Looking into this regard, health coverage becomes the need of every individual. There are lots of health insurance plans offered by Oriental Insurance Company. Senior Citizen Health Insurance plan is one of them. This Senior Citizen Health Insurance offered by Oriental Insurance is called HOPE. The policy is specially designed for older people. And if you are looking for any senior citizen health insurance policy for your parents, then it is better to go with Oriental Hope Senior Citizen Health Insurance Plan as it offers ample of facilities.
Oriental HOPE Senior Citizen Health Insurance Plan eligibility
Any individual at the age of 60 years and above is eligible for this insurance policy. The policy can be renewed after 1 year if required.
You can choose the policy from different Sum Insured options like Sum Insured 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs and 5 lakhs.
- ✔The policy covers specified diseases only.
- ✔TPA service is available for this plan.
- ✔Under this policy, you can avail cashless service through TPA only and it is limited to Rs. 1 lakh.
- ✔Premium discount is available for opting voluntary co-payment.
- ✔No claim discount in premium is also available.
- ✔Senior Citizen HOPE Health Insurance policy of Oriental Insurance covers only the specified diseases or injuries. This coverage include accidental injury, cancer, stroke, cardiovascular diseases, orthopedic diseases, hepatobiliary disorders, chronic renal failure, eye diseases, knee replacement, chronic obstructive lung disease etc.
- ✔Coverage for room, boarding and nursing expenses and ICU charges.
- ✔Insured person can also get doctor, surgeon, anesthetist, consultant or specialists fees.
- ✔Emergency ambulance charges are included in this policy.
- ✔Expenses of anesthesia, blood, oxygen, operation theatre charges, surgical appliances, cost of medicines and drugs, expenses of artificial limbs are covered under Oriental HOPE Senior Citizen Health Insurance.
- ✔Policyholder can avail cost of diagnostic tests like X-ray.
- ✔Provides coverage for domiciliary expenses.
Some important Exclusion of Oriental HOPE Senior Citizen Health Insurance Policy
- ✔Pre-existing diseases for the first 2 years are excluded from this plan.
- ✔Pre and post hospitalization expenses are not the part of this policy.
- ✔Ayurvedic treatment and Naturopathy are not covered. The plan is designed only to cover the specified illness.
Sedentary lifestyle of modern era makes the individual prone to illness. Since elderly people are more prone to frequent illness, there may be multiple occurrences of hospitalization. And to cover all the expenses in older ages, it is better to buy a senior citizen health insurance plan. Oriental HOPE Senior Citizen Health Insurance Policy will be an ideal one if you are looking for any health insurance plan for your parents.
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